Madison Copeland
Region: US
Thursday 29 May 2025 20:30:22 GMT
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It’s Ya Boi :
Get a conventional loan, you don’t have to put down 20%. You can put down way lower, you’ll just have to pay PMI until you pay up to that 20%. Not a huge deal at all
2025-05-31 06:04:07
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IMxDYNAMIKE :
628,000 in September we put down 27,000k down. 15000 from builder for rate buy down. 4.25% fha loan
2025-07-25 22:44:07
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Staci_SF :
You do not need 20k. There are a lot of loans that require nothing. Better rates only require 3% of total loan. Closing costs can be negotiated with the seller. FHA/VA/USDA and first time homebuyers loans don’t require much if anything.
2025-05-31 09:28:05
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emerta44 :
If you can't swing 20k as a down payment maybe homeownership isn't for you. Maintenance and emergency repairs could easily exceed that.
2025-05-29 23:42:44
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Crystal Rodriguez 📖✨💜 :
we bought our house in northern Florida last year and we did the first time home buyer program we didn't have to put money down or much for our closing costs. our house was 185,000 with 5.5% our mortgage is 1,369 that's with home owners insurance, and PMI. we were renting an apartment for 1,500 home repairs don't happen in one shot you fix as you go. we also moved away from the city so it helped out so much I'm a stay at home mom and my husband makes pretty good money. don't let any one tell you renting is better then buying it's been a life saver for us! all in all when we bought our house we only came up with about 8,000 for everything out of pocket we put what we did save in our savings and have money to fix the house as needed.
2025-05-31 21:12:30
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JustMe :
Look into FHA loans! It was 0% down when I bought but that was 2012. Think it’s still really low now though.
2025-05-31 12:31:21
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Jodi Jackson :
Zero down, 3% interest rate, VA loan 👌
2025-05-29 23:38:28
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𝑩𝑰𝑳𝑳𝑰𝑬 𝑹𝑶𝑬𝑳𝑳𝑬 :
We bought a $180k house last year and total put down with closing $13k. But if we didn’t have to pay for closing it would’ve been half. You can always ask for the seller to pay for closing! Don’t get discouraged it will happen!! 💛
2025-06-01 22:17:53
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riggosmom :
We saved 25k, after we saved my parents gave us 20k and his parents gave us 20k as well
2025-07-23 18:40:49
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Alyssa :
You’d be surprised the number of people who get “financial gift” funds from family to qualify
2025-05-29 20:40:50
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Steph ✨ | SAHM + BOY MOM 🩵 :
We are putting down $120k down and our loan is still at $460k with a $3k per month 😅
2025-05-31 21:59:17
1
Dylan :
They asked us for 28k down. Said if we could get it “gifted”?!?! Like? Do I look like I get gifts of that amount???
2025-05-31 00:35:50
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kleealexis1 :
TN fha no money down seller came off price and is covering all of closing and it’s a new build that passed two inspections, 3 bed 2 bath 1500 square foot. Be patient! I got so discouraged. Also don’t go overboard or over pay! One thing our lender did was asked how much we wanted our mortgage to be and then told us how much house we could afford!
2025-06-24 10:37:15
1
Kelsey murphy :
Just closed on our first house in Massachusetts we did an FHA loan 3.5% down so ours was $400,000 we put down around $14,000 with the seller covering $10,000ish in closing costs
2025-06-01 10:45:05
1
collbol :
I took a loan from my 401k, I just pay myself back through my paychecks.
2025-06-01 00:16:46
1
rainhalexx :
If you want the house you want .. yeah you’ll probably have to pay that … if your flexible with location and the house good credit then go for a usda loan .. if you’re a first time home buyer you’ll qualify for a lot of grants .. we paid probably 3k ish including appraisal and inspections
2025-05-31 01:08:04
1
alisaschatz :
We but 81 k down plus closing costs and have a 30 year conventional loan
2025-05-31 22:21:43
1
Momma Ham :
Conventional…we put down 15k of cash out of our acct-but we also had already bought and sold our first house so that added like another 60k to put down since we had a lot of equity in that first house.
2025-05-31 00:30:00
1
Alyssa :
We put about 15k down and then we had about 15k in closing costs. My husband and I each paid one of those out of our savings
2025-06-01 04:22:29
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lys :
3.5% with a PHFA loan (similar to FHA in Pennsylvania)
2025-07-01 22:41:38
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toomuchCatie :
I put 35,000 down. Idk what loan we had cause my husband is the only one who got it. Loan is only in his name.
2025-05-31 21:03:39
1
Sunny :
I put $200,000 down FHA loan, it was not our first home though. Working on buying a rental and we'll put $212,000 down. All that being said, buying your first home is the hardest, the barrier of entry is high.
2025-05-31 21:38:08
1
slowwhitedsm :
closing and down payment (3%) combined for our 185k house was about 16k. you don't necessarily need a 20k down payment, but you need a good chunk saved for everything else. the appraisal was $600, inspections were $450-900 each (we tried for 3 houses 🫠). moving expenses (we moved ourselves 160 miles), basic upgrades, furniture, etc we were easily in over 20k
2025-06-01 17:06:58
1
Sumer :
0% with a usda loan 😅we now have a bunch of equity and can buy another house with money down!
2025-06-15 17:06:49
1
StoneCow :
I couldn’t swing the $20k, but I can swing the $850 mortgage over the $1400 rents.
2025-05-30 16:19:05
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